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A Different ‘Night Before…’

We love Christmas, love the holiday season, so please take the following in the spirit in which it is written.

To all our clients and clients to be, who are thinking of presents under the tree instead putting the December mortgage payment in the mail.

‘Twas the night before Christmas, when all through the house

Not a creature was stirring, except me and my mouse;

I was moving bill payments around with care,

In hopes that Christmas presents I could Amazon there;

The children were nestled all snug in their beds,

While visions of PlayStations danced in their heads;

I, to make Christmas as great as they hopefully awaited,

Put off the mortgage payment Sarah so carefully negotiated;

And so, instead I ordered a Sanyo flat screen

With Amazon Prime, it was only eight-seventeen;

Then out on the lawn there arose such a clatter,

I sprang from my desk to see what was the matter.

Away to the window I flew like a flash,

Tore open the shutters and threw up the sash.

The moon on the breast of the new-fallen snow

Gave the lustre of mid-day to objects below,

When, what to my wondering eyes should appear,

But a miniature moving van, and a tiny auctioneer….

We are seeing this a lot, even this early in the Holiday Season, people putting off their modification plan payments in order to make Christmas special for the kids. We understand the temptation, we understand the pressures of the holidays that mount every time you put on the TV and see shiny happy people (sorry, R.E.M) buying cars for Christmas (really, really, hate those ads).

But, kids just want to be kids – with their parents and in their own beds in their own home.

We know, also, that some people put off hiring a lawyer for their foreclosure because they want to spend money on Christmas. Christmas, though, as we all know from It’s a Wonderful Life, doesn’t stop a case from moving forward or a deadline from passing.